Glossary· Ways of investing
What is Step-up SIP?
Also known as Top-up SIP
A SIP whose instalment rises by a set percentage each year.
Tracks a rising income instead of freezing the contribution at what you could afford on day one. Over a long horizon the increment usually matters more to the final corpus than the return assumption does.
For the formula and the constants behind this figure, see Methodology.
Guides that use Step-up SIP
7 guides put this term to work.
- The magic of compounding: why starting early beats starting bigMost of the wealth arrives in the final stretch, from money contributed decades earlier. The worked example where five times the contribution still finishes behind.
- SIP 101: the secret weapon of disciplined investingA SIP is a standing instruction, not a product. What it genuinely does, the variants worth using, and the four things it is regularly oversold as.
- SIP or lumpsum: when should you put it all in at once?Averaging is a behavioural device before it is a mathematical one. What it buys, what it costs, and why the honest answer depends on a question about you rather than the market.
- Goal-based investing: mapping dreams to specific bucketsA goal is an amount, a date and a priority — and the date alone decides most of the allocation. Why separate buckets work, and the glide path that stops a goal arriving mid-drawdown.
- Structuring a portfolio for your child's higher educationThe one goal with an immovable date and inflation well above the headline. The glide path that gets you there, and what SEBI's discontinued solution-oriented category means for you.
- How inflation quietly eats a savings accountThe only asset that reports a gain every month while losing 2–3% of purchasing power a year — and why your personal inflation runs well above the index.
- Your master plan: a 30-year wealth blueprintThe five decisions that determine the outcome, ranked — fund selection comes fifth — the blueprint by life phase, and the seven-line policy statement to write today.
More on ways of investing
The transaction types the calculators model.